Track Your Credit History, Score, & Report

Your credit history is a significant factor in your credit score. Lenders and creditors view different aspects of your credit history before deciding to extend a line of credit to you. These typically include:

• Percent on-time payments: If you‘ve made a late payment on a loan in the past, it can seriously affect your credit score.
• Derogatory marks: accounts in collections, bankruptcies and liens can stay on your credit report for 7 to 10 years.
• Average age of open credit lines: The older and more extensive your credit history, the more accurately your creditworthiness can be assessed.

With Credit Karma, you can see how your credit history is affecting your credit score with our Free Credit Report Card. You‘ll be able to see what may be negatively affecting your credit score so that you can make healthy credit choices in the future as well as the positive aspects of your history. Sign up for a free credit score from Credit Karma today and get access to your Free Credit Report Card, which will help you keep track of your credit history and your credit future.